Cheap 1991 Dodge RAM 150 Car Insurance Quotes

Searching for cheaper insurance for a new or used Dodge RAM 150 could be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find insurance online so we’re going to tell you the quickest way to quote coverages on a Dodge and locate the cheapest rates.

Slash your auto insurance rates with discounts

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so the next list breaks down some of the more common as well as some of the hidden discounts you could be receiving when you buy car insurance online. If you do not check that you are getting every discount you qualify for, you are just wasting money.

• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
• College Student – College-age children who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
• Safety Course Discount – Successfully completing a defensive driver course could possibly earn you a 5% discount if you qualify.
• Multiple Cars – Buying coverage for multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
• Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
• Anti-theft System – Vehicles that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• ABS Braking Discount – Cars with ABS and/or traction control are much safer to drive so you can save 10 percent or more.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride.

Popular auto insurance companies and a selection of discounts are included below.

• State Farm offers discounts including defensive driving training, anti-theft, driver’s education, safe vehicle, good student, accident-free, and good driver.
• Geico offers discounts for multi-policy, emergency military deployment, multi-vehicle, membership and employees, federal employee, daytime running lights, and defensive driver.
• Allstate includes discounts for good payer, resident student, EZ pay plan discount, farm vehicle, good student, economy car, and utility vehicle.
• SAFECO offers premium reductions for accident prevention training, anti-theft, safe driver, teen safety rewards, and teen safe driver.
• Farm Bureau policyholders can earn discounts including 55 and retired, multi-policy, multi-vehicle, youthful driver, safe driver, and renewal discount.
• Progressive may offer discounts for continuous coverage, homeowner, multi-policy, multi-vehicle, and good student.
• AAA may have discounts that include good student, multi-policy, pay-in-full, AAA membership discount, anti-theft, good driver, and education and occupation.

When quoting, ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere.

How to compare free insurance coverage quotes

Getting a cheap price on 1991 Dodge RAM 150 insurance is surprisingly easy. All that’s required is to take time to compare free car insurance quotes to discover which company has the cheapest car insurance quotes. Rate comparisons can be done using a couple different methods.

1. If you’re in a hurry, the quickest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This style of form keeps you from doing boring form submissions for every company. Taking the time to complete one form will get you rate comparisons from several companies. It’s definitely the quickest method.
2. A harder way to obtain and compare quotes online consists of visiting each company’s website to complete a price quote. For examples sake, we’ll assume you want to compare rates from Auto-Owners, Progressive and State Farm. To get rate quotes you would need to navigate to each company’s site and repeatedly type in your coverage information, which is why the first method is quicker.

   To view a list of companies in your area, click here.

However you get your quotes, try to use the exact same coverage information for every quote you compare. If you use different liability limits you can’t possibly determine the best price for your Dodge RAM 150.

What impacts Dodge RAM 150 insurance rates?

Many things are used when quoting car insurance. Most are fairly basic like your driving record, but other factors are not as apparent such as your marital status and annual miles driven.

• Males are more aggressive – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn’t prove that males are worse at driving than females. Both sexes are in fender benders in similar percentages, but the males have costlier accidents. Not only that, but men also receive more major tickets like reckless driving and DUI.
• Safer cars lower prices – Safer cars tend to have better insurance rates. The safest vehicles help reduce the chance of injuries in an accident and fewer injuries translates directly to fewer claims passed on to you as lower rates.
• Lower physical damage deductibles cost more – Physical damage deductibles state the amount of money you are willing to pay before a claim is paid by your company. Physical damage protection, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The more expense the insured is willing to pay, the less your car insurance will be for RAM 150 insurance.
• Limits of liability insurance – The liability section of your policy will protect you in the event that you are responsible for an accident. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Car and home together may be cheaper – Most companies will give lower prices to customers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still compare other company rates to confirm you are receiving the best rates possible. Drivers may still save even more by insuring with multiple companies.
• Get better prices if you’re married – Being married helps lower the price on your policy. Marriage is viewed as being more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
• High policy claims frequency drives up rates – Insurance companies provide discounts to people who are not frequent claim filers. If you file claims often, you can expect either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of larger claims.

You are unique and your auto insurance should be too

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation could use an agent’s help.

• Am I covered when driving a rental car?
• What is covered by UM/UIM coverage?
• What is no-fault insurance?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my babysitter covered when using my vehicle?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my teen driver covered when they drive my company car?
• If my 1991 Dodge RAM 150 is totaled, can I afford another vehicle?
• When should my teen driver be added to my policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Auto insurance in the media

Drivers can’t get away from all the ads that promise big savings from the likes of State Farm and Allstate. All the companies have a common claim that you can save if you move your auto insurance coverage to their company.

How does each company have lower policy pricing? This is the way they can do it.

Many companies have specific criteria for the driver that is profitable for them. For instance, a desirable insured might be a married female, has no driving citations, and the vehicle is rated for pleasure use. Someone who fits that profile gets the lowest premium rates and therefore will save when switching.

Insureds who are not a match for these criteria will get higher rates which results in the customer not buying. Company advertisements say “people that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can advertise the way they do. Different companies use different criteria so you really should do a quote comparison often. It is impossible to guess with any certainty which company will have better premium rates than you’re paying now.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, chiropractic care, EMT expenses and doctor visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover damage that occurs to people or other property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, court costs, loss of income and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your 1991 Dodge RAM 150.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, hail damage and hitting a deer. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your RAM 150 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, crashing into a ditch, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Quote more. Save more.

People leave their current company for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, policy cancellation and even not issuing a premium refund. Regardless of your reason, switching companies is not as difficult as it may seem.

When searching for low cost car insurance quotes, don’t be tempted to buy poor coverage just to save money. Too many times, consumers will sacrifice liability coverage limits only to find out they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible for the lowest price, but do not skimp to save money.

Lower-priced 1991 Dodge RAM 150 insurance can be purchased on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get quotes online and these small, regional companies only sell coverage through independent agencies.

Additional detailed information is available at these sites:

• Airbag FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)
• Choosing a Car for Your Teen (State Farm)